Abstract

This study employs a cross-sectional design with stratified random sampling method to examine if the microcredit programme of the Amanah Ikhtiar Malaysia (AIM) improves the income of hardcore poor households. This study uses a quasi-experimental approach and selected control and treatment group members from AIM’s client’s base — new and old clients respectively. It is evident that the AIM’s microcredit programme increased the household’s income and reduced the poverty rate among their hardcore poor clients in Peninsular Malaysia. Findings of the study indicate the effectiveness of microcredit in eradicating poverty. This programme should, therefore, focus on diversifying their products and services in order to increase outreach and decrease inactive borrowers and dropouts.

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Additional Information

ISSN
2339-5206
Print ISSN
2339-5095
Pages
pp. 15-28
Launched on MUSE
2012-04-26
Open Access
No
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